Westpac Banking Corporation

aid: westpac
url: https://raw.githubusercontent.com/api-evangelist/westpac/refs/heads/main/apis.yml
name: Westpac Banking Corporation
kind: company
description: Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South
  Wales, and is one of the country's "Big Four" banks. Headquartered in Sydney, it is a publicly listed company on the Australian
  Securities Exchange (ASX:WBC), not a customer-owned mutual, and operates a multi-brand group that includes St.George, BankSA,
  Bank of Melbourne, and RAMS. As an authorised deposit-taking institution (ADI) regulated by APRA, Westpac is a designated
  data holder under Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product
  Reference Data (PRD) API conforming to the DSB Consumer Data Standards. Consumer and account data sharing beyond product
  reference data is available only to accredited data recipients through the CDR's authenticated, consent-driven channels.
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  label: Open access
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/westpac.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: westpac:westpac-payway-rest-api
  name: Westpac PayWay REST API
  tags:
  - Payments
  - Card Payments
  - Payment Gateway
  - Merchants
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.payway.com.au/docs/rest.html
  baseURL: https://api.payway.com.au/rest/v1
  properties:
  - url: https://www.payway.com.au/docs/rest.html
    type: Documentation
  - url: https://www.payway.com.au/docs/api-developers-guide/
    type: GettingStarted
  - url: https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway-api/
    type: SignUp
  description: First-party Westpac payment API (beyond CDR). PayWay is Westpac's merchant payment platform; its public REST
    API v1 processes real-time credit-card and bank-account payments, refunds, pre-authorisations and captures, plus a customer
    vault, single-use tokens, EMV 3-D Secure authentication, bulk payment files, surcharges and merchant configuration. Uses
    HTTP Basic auth with a publishable or secret API key over TLS 1.2+ at api.payway.com.au/rest/v1. Fully documented publicly
    but NO downloadable OpenAPI/Swagger is published (reference docs and Postman-based exploration only), so no machine-readable
    spec is wired.
- aid: westpac:westpac-quickstream-rest-api
  name: Westpac QuickStream REST API
  tags:
  - Payments
  - Card Payments
  - Payment Gateway
  - Merchants
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
  baseURL: https://api.quickstream.westpac.com.au/rest/v1
  properties:
  - url: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
    type: Documentation
  - url: https://quickstream.westpac.com.au/docs/
    type: GettingStarted
  - url: https://quickstream.westpac.com.au/docs/quickstreamapi/change-log/
    type: ChangeLog
  description: First-party Westpac payment API (beyond CDR). QuickStream is Westpac's online payment gateway; its public REST
    API v1 exposes Transactions, Customers, Accounts, Credit Cards, Recurring Payments, PayIDs, Single-Use-Tokens, Payment
    Files, PayTo Agreements, Businesses and API Keys resources for card and account payment processing. Uses HTTP Basic auth
    with a secret or publishable API key at api.quickstream.westpac.com.au/rest/v1 (test host api.quickstream.support.qvalent.com).
    Fully documented publicly but NO downloadable OpenAPI/Swagger is published (reference docs and Postman-based exploration
    only), so no machine-readable spec is wired.
- aid: westpac:westpac-banking-account-balances-api
  name: Westpac Banking Corporation Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-account-direct-debits-api
  name: Westpac Banking Corporation Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-account-scheduled-payments-api
  name: Westpac Banking Corporation Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-account-transactions-api
  name: Westpac Banking Corporation Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-accounts-api
  name: Westpac Banking Corporation Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-payees-api
  name: Westpac Banking Corporation Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-products-api
  name: Westpac Banking Corporation Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
common:
- type: VulnerabilityDisclosure
  url: security/westpac-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/westpac-domain-security.yml
- type: Website
  url: https://www.westpac.com.au/
- type: DeveloperPortal
  url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- type: Documentation
  url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
- type: GitHubOrganization
  url: https://github.com/westpac
- type: LinkedIn
  url: https://www.linkedin.com/company/westpac
- type: PrivacyPolicy
  url: https://www.westpac.com.au/privacy/privacy-statement/
- type: TermsOfService
  url: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/aw/WBC_CDR_Policy.pdf
- type: Security
  url: https://www.westpac.com.au/security/how-to-report/responsible-disclosure.html
- type: Authentication
  url: authentication/westpac-authentication.yml
- type: Conventions
  url: conventions/westpac-conventions.yml
- type: ErrorCatalog
  url: errors/westpac-problem-types.yml
- type: Lifecycle
  url: lifecycle/westpac-lifecycle.yml
- type: Conformance
  url: conformance/westpac-conformance.yml
- type: DataModel
  url: data-model/westpac-data-model.yml
- type: Overlay
  url: overlays/westpac-cds-banking-products-overlay.yaml
- type: MCPServer
  url: mcp/westpac-mcp.yml
- type: AgentSkill
  url: skills/westpac-browse-products.md
- type: LLMsTxt
  url: llms/westpac-llms.txt
- type: ChangeLog
  url: changelog/westpac-quickstream-changelog.yml
- type: Sandbox
  url: sandbox/westpac-sandbox.yml
- type: Components
  url: components/westpac-components.yml
- type: DeclineCodes
  url: errors/westpac-decline-codes.yml
- type: Compliance
  url: https://quickstream.westpac.com.au/docs/general/pci-compliance/
- type: GettingStarted
  url: https://quickstream.westpac.com.au/docs/
- type: APIReference
  url: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com